Liquidity
7.01 was 3.55 in 2024
Short-term debts fell from €25,829 to €12,493.
HEYVAERT.D OBOURG
Lifetime
10 annual accounts with figures on one time axisGross marginpeak €65,171 (2018)
€21,023▼ 51.7%
Resultlowest -€8,988 (2025)
-€8,988▼ €16,341
Equitypeak €105,532 (2024)
€96,544▼ 8.5%
Debts
€30,877▼ 42.0%
Board1 name since 2021
1 directorDominique HEYVAERT
Documentsfilings and deeds
27-07-20264 days before the deadline
2025micro format
Gross margin from €43,505 to €21,023Loss of €8,988Debts from €53,230 to €30,877
Key points
from the 2025 annual accountsFilings
10 annual accounts since 2016
The last five annual accounts were filed 4 to 62 days before the end of the period.
Position in the sector
-€8,988
Lower net result than 87% of companies in specialised construction. Sector median €10,218 · 34,996 companies.
Checked score
91
Excellent
Financially stronger than 61% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,685 companies (NACE 43, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025highest value
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Loss of €8,988 (financial year 2025)
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 7.01, cash €52,875
Equity €96,544 (75.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 90% of them on solvency, 98% on liquidity, 28% on profitability and 25% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as HEYVAERT.D OBOURG has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HEYVAERT.D OBOURG itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for HEYVAERT.D OBOURG. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.01 (3.55 in 2024), above the usual 1.5. Short-term debt is 9.8% and cash 41.5% of total assets. 24.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 days early
2024
31 days early
2023
8 days early
2022
62 days early
2021
26 days early
2020
9 days early
2019
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0650996494
Resignation: Dominique HEYVAERT (manager)
Reappointment: Dominique HEYVAERT (director) · General meeting of 12-09-2023 · Gazette deed
Incorporation
published on 06-04-2016 · Gazette deed
First establishment
Rue de Roumanie (O.) 17, Mons
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| HEYVAERT.D OBOURG Mons | €127,421 | €21,023 | 75.8% | - |
| CEDRIC WATREMEZ Chimay | €150,381 | €22,423 | 27.8% | - |
| Clercx Sanitair en CV Vosselaar | €128,540 | €18,222 | 24.1% | - |
| VentiluX Oudsbergen | €144,764 | €20,681 | 68.8% | - |
| SAM CORNAND Haaltert | €116,510 | €24,533 | 81.3% | - |
| MARCIO NUYTTEN Oostrozebeke | €137,025 | €20,583 | 37.8% | - |
| L&G RENOV Namur | €102,465 | €20,145 | 60.1% | - |
These companies have the same main activity as HEYVAERT.D OBOURG: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €102,000 and €150,000, founded between 2015 and 2018.
Official details
Source: KBO- Status
- Active since 02-04-2016Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilationNACE 43222and 1 other
- Establishment unit
- 2.257.745.2747034 Mons, since 02-04-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 04-07-2025
Annual accounts 2025
- Turnover
- ≈ €280,000estimated
- Total assets
- €127,421▼ 19.7%
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on HEYVAERT.D OBOURG
HEYVAERT.D OBOURG files the micro format. That format states no turnover. The gross margin fell from €56,304 in 2016 to €21,023 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HEYVAERT.D OBOURG
- What is the company number of HEYVAERT.D OBOURG?
- The company number of HEYVAERT.D OBOURG is 0650.996.494. The VAT number is the same number with BE in front: BE 0650.996.494.
- Where is HEYVAERT.D OBOURG based?
- The registered office is at Rue de Roumanie (O.) 17, 7034 Mons.Company details
- What does HEYVAERT.D OBOURG do?
- According to the KBO register, the main activity is installation of electric heating, air conditioning, cooling and ventilation (NACE 43222).
- What is the legal form of HEYVAERT.D OBOURG?
- HEYVAERT.D OBOURG is a private limited company (BV).
- When was HEYVAERT.D OBOURG founded?
- HEYVAERT.D OBOURG was founded on 02-04-2016.
- Is HEYVAERT.D OBOURG still active?
- Yes, HEYVAERT.D OBOURG is an active enterprise in the KBO register.
- What is the turnover of HEYVAERT.D OBOURG?
- The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €21,023 and 32 comparable companies (NACE 43222). It probably lies between €170,000 and €390,000. It is a rough estimate.Financials
- Is HEYVAERT.D OBOURG profitable?
- In financial year 2025, HEYVAERT.D OBOURG made a loss of €8,988.
- Where can I find the annual accounts of HEYVAERT.D OBOURG?
- HEYVAERT.D OBOURG filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HEYVAERT.D OBOURG due?
- HEYVAERT.D OBOURG must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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